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HOBOKEN, N.J. — Eight years ago credit unions were hoping to get the jump on banks in the Internet world as a study showed that most banks still hadn’t fully embraced the World Wide Web.

The front page story (CU Times, July 19, 2000) cited a study from the Office of the Comptroller of the Currency and the TowerGroup that showed at the time of the10,000 or so FDIC-insured banks and thrifts, approximately 7,800 still did not have a Web site. Of the 2,200 banks that did have a Web site 1,100 had no more than what was called “brochure-ware.” Of the top 100 banks, 777 offered no transaction functionality on their sites and 36 of them had no Web presence at all.

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